Due to their unique construction and vulnerability to certain weather, such as wind storms or floods, manufactured and mobile homes typically don’t qualify for traditional homeowners insurance. This is where mobile home coverage comes in.
What is Mobile Home Insurance?
Mobile home insurance is a type of coverage that provides a broad level of protection for you and your home. It protects your mobile home’s structure and personal property, as well as offers liability coverage to help protect against lawsuits. For example, suppose your mobile home or its contents sustain physical damage from perils such as fire, hail, theft, or vandalism. In that case, a mobile home policy typically covers the costs of repairs or replacement. Additional structures on your lot, such as a patio or garage, and your personal belongings would also likely be covered.
Types of Mobile Home Insurance coverage?
Mobile home coverage: Mobile home insurance policies provide two basic kinds of insurance—coverage for physical damage and personal liability coverage. These coverage options are generally available for rental mobile homes, commercial mobile homes, mobile homes used seasonally, or mobile homes located in a park or on private property.
Physical damage coverage pays for accidental damage to your mobile home, belongings, or other structures (such as attached patios or decks, garages, and storage sheds) resulting from fire, hail, wind, theft, and vandalism or falling objects. Also, like regular homeowners insurance, flooding is not covered. You can purchase separate flood insurance if you are in a flood zone.
Personal liability coverage protects you when there is a claim or a lawsuit against you after someone is injured or their property is damaged because of your activities. Claims might include medical expenses, lost wages, pain and suffering, and even property damage to others (liability coverage does not pay claims for injuries to you or the members of your household). The amount of insurance necessary to protect your assets may be more than what comes standard with a mobile home insurance policy; if so, consider purchasing additional liability insurance.
Peril policies offer basic insurance coverage and only cover specific causes of loss. While the low premiums may seem like a bargain, if your mobile home is damaged by a cause other than one of the policy’s limited named perils, you won’t be covered, and you’ll need to spend your own money to repair the damages or replace your belongings.
Why is Mobile Home Insurance important?
You’ve worked hard to buy your home and the things you own, but sometimes unexpected events like fires or severe hailstorms can cause significant setbacks.
If you don’t have enough cash on hand to repair significant damage to your house or replace most of your stuff all at once, you’re not alone! Fortunately, this is where mobile home insurance can help.
Mobile home insurance is often tailored according to your home model and design. So talk to us to know the right coverage and protect your mobile home with the right insurance.
Already have Mobile Home Insurance? Switching is easy
It might be time to switch insurers whenever the service that your existing insurer provides doesn’t meet your needs. For example, if you have a poor claims experience or an unexplained rate increase, it might be time to consider other options
If you cancel a previous policy before a new policy is effective, you could run into some serious financial problems.
Contact us today to help you with multiple options to choose from.
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We extend coverage to individuals and businesses in Greenville, SC and surrounding areas.
